1. Introduction and Acceptance
1.1 These Terms of Use (“Terms”) govern your access to and use of the free merchant statement analysis service offered at rombis.ai (the “Service”), operated by MARGN LLC, a Wyoming limited liability company, doing business as “Rombis” and “Rombis.ai” (“MARGN,” “we,” “us,” or “our”).
1.2 By accessing the Service or uploading a statement, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.
2. Eligibility
2.1 The Service is available only to users located in the United States who are at least 18 years old.
2.2 If you are using the Service on behalf of a business, you represent and warrant that you have authority to bind that business to these Terms, and references to “you” in these Terms include that business.
3. The Service
3.1 The Service allows you to upload a merchant processing statement in PDF format and receive an automated analysis of the fees shown on that statement, including estimated benchmarks and potential savings opportunities.
3.2 The Service is provided free of charge. No credit card is required. You retain access to your report via the link generated at the time of analysis, subject to these Terms and our ongoing operation of the Service.
3.3 The Service is designed for native PDF merchant statements. Scanned images, photographs, spreadsheets, and other non-PDF formats may not produce accurate results, and MARGN may decline to process files that do not meet technical requirements.
4. Your Statement Uploads
4.1 Ownership. You retain all ownership rights in statements you upload.
4.2 License to MARGN. By uploading a statement, you grant MARGN a non-exclusive, worldwide, royalty-free license to process, analyze, store, and use your statement and the information it contains for the purposes described in Section 4.3.
4.3 Permitted Uses of Your Data. You acknowledge and agree that MARGN may:
(a) Use your statement to generate your analysis report;
(b) Use de-identified and aggregated data derived from your statement to operate, improve, and develop the Service, including to train and refine AI models and develop industry benchmarks;
(c) Contact you, including by email, telephone, or SMS, regarding payment processing services, rate comparisons, referrals to merchant services providers, and related offers from MARGN and its partners; and
(d) Share information contained in your statement with merchant services providers in MARGN's referral network, who may contact you with competing offers.
4.4 Consent to Contact. By uploading a statement, you expressly consent to receive the communications described in Section 4.3(c) and (d) at the contact information you provide or that is contained within your statement. You may opt out at any time by following the unsubscribe instructions in any communication or by contacting us at support@rombis.ai.
4.5 Representations. You represent and warrant that (a) you are the merchant to whom the uploaded statement relates, or you are authorized to upload it on behalf of that merchant, and (b) your upload does not violate any law, contract, or third-party right.
5. Acceptable Use
You agree not to: (a) upload statements that do not belong to you or that you lack authority to upload; (b) attempt to reverse engineer, scrape, or interfere with the Service; (c) use the Service for any unlawful purpose; (d) upload files containing malware or malicious code; (e) upload files containing payment card numbers, bank account numbers, Social Security numbers, or other sensitive personal information beyond what ordinarily appears on a merchant processing statement; or (f) resell or commercially redistribute Service outputs without our prior written consent.
6. Intellectual Property
6.1 MARGN Property. The Service - including its software, interface, branding, analysis methodologies, and report templates - is owned by MARGN and protected by intellectual property laws. Except for the limited license in Section 6.2, no rights are granted to you.
6.2 Your Report. MARGN grants you a non-exclusive, non-transferable license to view, download, and use your analysis report for your own internal business purposes.
7. Informational Only; No Advice
7.1 The Service provides informational estimates and comparisons. It does not constitute financial, legal, accounting, tax, or investment advice, and no fiduciary or advisory relationship is created by your use of the Service.
7.2 Savings estimates are projections based on the data contained in your statement and industry benchmarks at the time of analysis. Actual savings depend on many factors, including terms you are able to negotiate, changes in processor pricing, and changes in your processing activity. MARGN does not guarantee any particular result.
7.3 You are solely responsible for any decisions you make based on the report and for consulting qualified professionals before acting on it.
8. Disclaimer of Warranties
The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, MARGN disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. MARGN does not warrant that the Service will be uninterrupted, error-free, or secure, or that any analysis will be accurate, complete, or free of defects.
9. Limitation of Liability
9.1 To the maximum extent permitted by law, MARGN and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages - including lost profits, lost revenue, lost data, or business interruption - arising out of or related to your use of the Service, even if MARGN has been advised of the possibility of such damages.
9.2 MARGN's total cumulative liability to you for all claims arising out of or related to the Service will not exceed one hundred U.S. dollars ($100).
9.3 Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this Section may not apply to you.
10. Indemnification
You agree to indemnify, defend, and hold harmless MARGN and its affiliates, officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from: (a) your breach of these Terms; (b) your upload of any statement you were not authorized to upload; or (c) your misuse of the Service or any report.
11. Termination
11.1 You may stop using the Service at any time.
11.2 MARGN may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including suspected violation of these Terms.
11.3 Sections 4, 6, 7, 8, 9, 10, 13, and 14 survive termination.
12. Changes to the Service or These Terms
MARGN may modify, suspend, or discontinue the Service, in whole or in part, at any time. MARGN may update these Terms by posting a revised version at rombis.ai and updating the “Last Updated” date above. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. If you do not agree, your sole remedy is to stop using the Service.
13. Governing Law and Venue
These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Service must be brought exclusively in the state or federal courts located in Sheridan County, Wyoming. You consent to the personal jurisdiction of those courts and waive any objection to venue.
14. General
14.1 Entire Agreement. These Terms and the Privacy Policy constitute the entire agreement between you and MARGN regarding the Service and supersede any prior agreements on the same subject.
14.2 Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
14.3 No Waiver. MARGN's failure to enforce any provision is not a waiver of its right to do so later.
14.4 Assignment. You may not assign these Terms without MARGN's prior written consent. MARGN may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.
14.5 Independent Contractors. Nothing in these Terms creates an agency, partnership, joint venture, or employment relationship.
14.6 Contact. Questions about these Terms may be sent to support@rombis.ai or to MARGN LLC, 30 N Gould St Ste N, Sheridan, WY 82801 USA.
